1. Introduction

The functionality to split VISA and MasterCard into a debit and a credit payment method allows you to offer them to your customers as two different payment methods (e.g. VISA Debit and VISA Credit), or you can decide only to accept one of both split brands.

If you activate both, you can configure different surcharges for the credit and for the debit payment method (the surcharge feature on our side is only available in e-Commerce).

Throughout the various modes, DirectLink, e-Commerce, e-Terminal, and Batch, the "split" functionality is supported.

2. Configuration

Once the "split" functionality is enabled for the relevant payment methods in your Ingenico ePayments account, you can easily configure the payment methods that you've requested the functionality for.

In the configuration screen of the payment method, you can:

Activate debit and credit separately. This allows you to offer only the debit or credit version of a payment method to your customers.

Indicate whether you want to accept "unknown" (*) cards for debit, credit or both (*Based on the BIN, Ingenico ePayments defines if the card is a debit or credit card. However, in 2-3% of the cases it cannot be determined based on the BIN)

Based on the configuration you choose, transactions will be accepted or refused. E.g. if you've configured VISA to only accept VISA credit cards, transaction attempts with VISA debit cards will be refused.

The configuration applies to all submission modes: e-Commerce, DirectLink, e-Terminal and Batch.

2.1 Surcharge/Discount

Notes:

Ingenico ePayments allows the surcharge/discount function on its end only for transactions processed in e-Commerce mode.

Surcharge/discount is not a default functionality and must be requested by contacting our Customer Care team.

You can configure surcharge or discount percentages separately for debit and credit cards. Moreover you can set minimum and maximum amounts which the surcharge percentages should apply to.

Example:

3. e-Commerce

3.1 Submission

To use the split of credit and debit cards via e-Commerce, you need to include the CREDITDEBIT parameter in the hidden fields that you send to the orderstandard(_UTF8).asp payment page.

Parameter

Format

CREDITDEBIT

"C": credit card
"D": debit card

This field has to be included in the SHA-IN calculation

Related error: When the buyer selects the debit card method but next enters a credit card number, an error code will be returned: "Wrong brand/Payment method was chosen".

7. Alias Manager (optional)

If you use Alias Manager with the "split" functionality enabled, every newly created alias will be indicated with either "Debit" or "Credit", provided that a succesful transaction preceded it. Existing aliases will be updated likewise upon usage.

Example of listed aliases in Alias Manager:

8. Testing

To make test payments with split credit/debit cards, in every submission mode you can make use of the following test card numbers:

Brand

Type

Card number

MasterCard

Credit

5399 9999 9999 9999

MasterCard

Debit

5101 1695 7311 2521

MasterCard

Unknown

5100 8678 7107 1536

VISA

Credit

4000 0243 2959 6391

VISA

Debit

4000 0685 5800 2134

VISA

Unknown

4111 1111 1111 1111

Note: Although this is a generally accepted test card, if you have configured not to accept "unknown" card types, tests with this card number will be declined.

9. Reporting

9.1 Online

Transactions that have been processed with the split functionality, will be displayed as such in the transaction overviews via "View transactions" and "Financial history" in the "Operations" menu of your Ingenico ePayments account. Either "CREDIT" or "DEBIT" will appear in the payment method column or field, next to the payment method that was used.

If a customer has used a card type that is different than the one he selected to use, e.g. if the customer first selected Debit but eventually entered a credit card number, this will also be reflected in the transaction overview; the initially selected type will be mentioned between brackets: "VISA CREDIT (DEBIT)".

9.2 Download

You can also have the distinction of credit and debit displayed in your download reports.

Therefore you have to log in to your Ingenico ePayments account, and in the "Operations" menu choose "Electronic reporting". Next select the "Dynamic" file structure and finally add the "CREDITDEBIT" field from the "Available fields" drop-down menu. Don't forget to click the "Submit" button to save your changes.

In your next report the "CREDITDEBIT" field will be displayed and contain either the "CREDIT" or "DEBIT" value.

Ingenico ePayments is the online and mobile commerce division of Ingenico Group. We connect merchants and consumers, enabling businesses everywhere to go further beyond today’s boundaries and creating the future of global commerce. As industry leaders since 1994, our innovative spirit drives us forward across all channels. We are the trusted partner of over 65,000 small and large merchants who rely on us to make payments easy and secure for their customers. With advanced data analytics, fraud management solutions and cross-border commerce expertise, we help merchants optimize their business and grow into new markets around the world.

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